We protect the financial security of our customers by partnering with independent property and casualty and life agents to provide innovative insurance solutions and superior service.

Honesty & Integrity

We say what needs to be said, own up to our mistakes, quickly move toward solving problems and do the right thing – always.


We take personal responsibility for addressing the concerns of our fellow employees, policyowners and agents – and solve their problems.


We share ideas, seek input and collaborate across the organization to find win-win solutions.

Continuous Improvement

We continually look for ways to improve what we do and how we do it.

Guiding Beliefs


Our emphasis on FOCUS, DISCIPLINE and MOMENTUM is the basis for our value proposition, and it outlines the unique value EMCNL offers to its customers.


Commitment to Agents

  • EMCNL is committed to the independent property and casualty and life agency systems and believes our partnership with independent agents adds real value to the insurance process. Since we distribute our products
    solely through independent agents, EMCNL's success is tied to our ability to foster stable partnerships based on mutual benefit. When our agents succeed, we succeed.

  • Ease of Doing Business

    We make it easy for our agents to use life insurance and annuity products to enhance their relationships with their clients. We look for ways to improve the efficiency of our operations and to make it easier for our customers to do business with us. We use technology to streamline our processes and improve our service while still cultivating personal agent relationships.


Simple, Straightforward Approach to Products

  • EMCNL believes we have an important role to play in protecting the financial security of our customers. Our approach to product development focuses on the needs of our agents and policyowners rather than the trend of the moment. The result is a portfolio of products that are innovative, easy to sell, meet the needs of our agents' customers and help improve our agents' account retention.


Superior Service

  • We believe that superior service is the cornerstone of any great business. We are committed to empowering our team members to address the concerns of agents, policyowners and other team members whenever they arise. Customers should always be able to speak to a live person.

  • Educated, Experienced Team Members

    We know that superior service can only come from knowledgeable and well-trained team members, which is why EMCNL supports and requires ongoing education and training. We believe agents and policyowners benefit from long-term relationships with knowledgeable EMCNL team members.